Nissan Versa Insurance Rates

If you are struggling to find the best Nissan Versa Note insurance rates, this article is for you. 

Drivers pay an average of $1,424 per year for Nissan Versa Note car insurance, and that can fluctuate based on a variety of factors, such as the age of the vehicle and whether you chose comprehensive coverage or liability insurance. For example, insurance for a Nissan Versa Note costs less if you drive an older model of the vehicle.

In order to adequately prepare yourself to shop for a policy like a pro, be sure to read through this detailed article. When you’re ready, be sure to enter your five-digit ZIP code to compare Nissan Versa car insurance rates from multiple companies.

Estimated insurance rates for a Nissan Versa are $1,348 a year for full coverage. Comprehensive costs approximately $256, collision costs $536, and liability is $398. Liability-only coverage costs around $460 a year, with high-risk coverage costing around $2,942. Teenage drivers pay the most at $5,118 a year or more.

Average premium for full coverage: $1,348

Premium estimates by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for all Versa models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than densely populated cities.

The example below illustrates the effect of geographic area on auto insurance prices.

These rate differences show why everyone should compare rates quotes using their specific location, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below shows estimated Nissan Versa insurance rates for additional coverage and risk scenarios.

• The best discount rate is $770
• Raising to $1,000 deductibles will save $178 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,348
• Using pricier low deductibles bumps up the cost to $1,702
• Drivers who are prone to accidents and violations could pay around $2,942 or more
• An auto insurance policy that insures a 16-year-old driver for full coverage can cost $5,118

View Chart as Image

Insurance prices for a Nissan Versa also have a wide range based on the model of your Versa, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,600 to $2,200 extra annually, depending on your age. Nissan Versa insurance for high-risk drivers is expensive and can cost from 43% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $5,100 a year. View Rates by Age

Where you choose to live also has a big influence on Nissan Versa insurance prices. A middle-age driver might find prices as low as $890 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,930 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $540 annually, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $358 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to regularly compare prices from multiple companies. Every auto insurance company uses a different method to calculate prices, so the prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Best Cheap Nissan Versa Insurance

Finding better rates on insurance for a Nissan Versa consists of having a decent driving record, having above-average credit, not filing small claims, and maximizing policy discounts. Compare prices once a year by requesting quotes from direct carriers, and also from insurance agencies where you live.

The following items are a quick review of the data that was covered in the above illustrations.

• Drivers can save around $160 per year simply by quoting online well ahead of the renewal date
• Insureds who purchase additional liability coverage will pay an extra $440 each year to raise from 30/60 bodily injury limits to the 250/500 level
• 16 to 18-year-old drivers are expensive to insure, as much as $427 per month if full coverage is included
• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,590 more per year than a driver with a clean driving record

As you can see from some of the information we’ve gone over to this point, there are several individual factors that influence Nissan Versa Note insurance cost. Take advantage of our free quote tool below to compare affordable Nissan Versa Note car insurance quotes from top companies right now.

What are the safety ratings of the Nissan Versa Note?

The safety ratings of the Nissan Versa Note are important to understand because your insurance provider is going to be interested in knowing about the durability of your car.

Take a look at the following crash test ratings of the Nissan Versa Note with results reported from the Insurance Institute for Highway Safety.

• Small overlap front (driver-side): N/R
• Small overlap front (passenger-side): N/R
• Moderate overlap front: Good
• Side: N/R
• Roof strength: N/R
• Head restraints and seats: N/R

For a brief frame of reference, “Good” is the highest rating possible. The fact that the Nissan Versa Note received this score in the only part of the car that was tested is positive news.

Nissan Versa Note Compared Against Other Vehicles in the Same Class

If you are curious to know how the Nissan Versa Note stacks up to other similar models, take a look at the following minicars.

Each page provides information on the insurance rates for each comparable model so you can cross-reference them with the Nissan Versa Note.

• Chevrolet Spark
• Hyundai Accent
• Mitsubishi Mirage

Now that we have gone into great detail about how Nissan Versa Note insurance rates are calculated, you can feel confident comparison shopping for the best rates. Ready to buy Nissan Versa Note car insurance? Start comparing Nissan Versa Note quotes from multiple companies by taking advantage of our free online tool.